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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $50,911 | $29,667+71.6% | $56,441-9.8% | $80,874-37.0% |
| Participation rate | 68.0% | 41.7%+26.3pp | 52.5%+15.5pp | 67.6%+0.4pp |
| Annual return | 13.30% | 35.22%-21.9pp | 1704.21%-1690.9pp | 35.62%-22.3pp |
| Employer contribution / active EE | $407 | $669-39.2% | $1,039-60.8% | $2,756-85.2% |
| Participant deferral / active EE | $6,830 | $1,227+456.9% | $1,953+249.8% | $4,297+59.0% |
| Admin fee / account holder | $789 | $2,429-67.5% | $2,829-72.1% | $6,935-88.6% |